Wisconsin Workers’ Compensation

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Wisconsin Workers’ Compensation Insurance

Wisconsin Workers' Compensation Under the Wisconsin workers’ compensation insurance law, most employers are required to have workers’ comp coverage.1 So, if you have three or more employees, make sure you have this coverage.
 
Workers’ compensation insurance is crucial for your business because it helps provide important benefits such as:2
 
  • Medical care when employees become injured or ill because of their job.
  • Partial wage replacement when injured workers need a healing period before they return to work.
  • Death benefits for your employee’s family if they die as a result of a work-related injury.3
  • With Wisconsin workers’ comp, your employees can choose their own doctor for medical treatment. If they’re not satisfied with their first doctor, they have the right to choose a second doctor.4
Workers’ comp in the state of Wisconsin can help protect both your employees and your business. We’re here to help if:
 
  • One of your employees gets hurt by a falling beam in an office building in Milwaukee and needs months off work to recover.
  • A florist in your shop cuts her hand trimming flowers, resulting in a doctor’s visit in Green Bay for stitches and a follow-up visit to remove them.

Wisconsin Workers’ Compensation Coverage

Injuries Covered Under Wisconsin Workers’ Compensation

Wisconsin Workers' Compensation Law In Wisconsin, workers’ comp insurance covers both public and private employees.5 So, if you have an employee that gets injured in a work-related accident, your workers’ comp coverage from The Hartford can help pay their medical expenses.
 
Like most states, Wisconsin workers’ comp has timeframes your employees must follow to receive their benefits. If an injury occurs, they must notify you within 30 days. However, they have 12 years to file a claim after an injury or illness at work.
 
Injuries and illnesses covered by workers’ compensation include:6
 
  • Physical injuries like cuts, sprains, amputations, paralysis and more.
  • Mental harm such as nervous disorders, hysteria, traumatic neurosis or brain injuries caused by industrial accidents. For employees claiming mental health and workers’ compensation without a physical injury, they must prove the ailment is related to their job and is more than just daily stress.
  • Occupational diseases from a work-related substance, condition, or activity. These can cause chronic physical or mental harm.
  • Injuries or illnesses that cause disability, such as a severe back injury. To determine if your injured worker has a disability, doctors may use a disability rating.7 These ratings may help a doctor decide whether an employee has a permanent total disability.
If your employee has a disability, they may qualify for:8
 
  • Vocational rehabilitation
  • Retraining benefits
Wisconsin Workers' Compensation Settlement Chart If you do not agree with your employee’s workers’ compensation insurance claim, you can dispute it. If both sides can’t reach a settlement, a hearing with an administrative law judge will take place. Experienced workers’ compensation attorneys usually represent the insurance company at these hearings.9
 
Make sure you have the workers’ compensation insurance you need for your business. We’ll help you get a quote today. We’ll also provide you with proof of coverage, known as a certificate of insurance, which outlines important policy details for your business and shows your clients that you have the correct coverage you need.
 

Wisconsin Workers’ Compensation Law and Exemptions

As an employer in the dairy state, workers’ compensation insurance is required if you have three or more employees. However, there are some exceptions, including:10
 
  • Domestic workers typically employed in households
  • Workers in a different trade than your business 
  • Farm workers, unless you have six or more employees working 20 or more days in the year
  • Volunteers, including those for non-profit organizations that receive money or items that equal more than $10 a week
  • Religious sect members if they have certification for the exemption
  • Workers at Native American businesses, including casinos
  • If your business has fewer than three employees, but you pay them $500 or more in any quarter, you may still need workers’ comp insurance. Llámenos al 855-829-1683 and we’ll help you find out.
Under Wisconsin workers’ compensation law, nearly all private and public workers receive benefits, including:12
 
  • Employees who are family except farm workers in some cases
  • Minors
  • Part-time workers
  • Corporate officers
There are some workers who aren’t covered by workers’ compensation in Wisconsin because they’re covered by federal laws instead. This includes:13
 
  • Federal employees
  • Military members
  • Interstate railroad workers
  • Seamen
  • Workers that unload boats and vessels

Wisconsin Workers’ Compensation Quote

We make it easy for you to get workers’ comp coverage. Get a workers' compensation insurance quote online or speak with one of our specialists at 855-829-1683.
 

Wisconsin Workers’ Compensation Insurance Pool

Wisconsin Workers' Compensation Settlement Chart If you can’t get workers’ comp from an insurance company, the Wisconsin Compensation Rating Bureau can provide you coverage through the Wisconsin Workers’ Compensation Insurance Pool. Workers’ comp insurance pools allow businesses with higher risks to get the coverage they need.14
 
Workers’ comp is still required for out-of-state businesses if you have employees who work in Wisconsin. For example, if your business is in Minnesota and you have workers’ comp coverage there, you still need another workers’ comp policy naming Wisconsin as a covered state. If your existing insurance carrier is not licensed to write workers’ comp in Wisconsin, you’ll need to get coverage from a company that is.15
 

Wisconsin Workers Compensation Claims

To file a claim for workers’ compensation in Wisconsin, visit our workers’ comp claim page today.
 
 
This article provides general information and should not be construed as specific legal, HR, financial, insurance, tax, or accounting advice. As with all matters of legal or human resource situations, you should consult with your own legal counsel and HR professionals. The Hartford shall not be liable for any direct, indirect, special, consequential, incidental, punitive, or exemplary damages of the information provided herein.
 
 
 
 
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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